85 Carol Road Stratford CT - New to the Market!

Leave your worries behind! Nothing to do but just move in to this delightful single level home with a refreshingly open floor plan that is cheerful and sunlit all the way through! Great spacious feeling- The remodeled kitchen has been opened up to the dining area, which in turn is open to the living room. Main bath has also been tastefully remodeled, too! The fourth bedroom can also double as a large den or office, or a more private main bedroom if so desired. Sit outside in front on the covered patio, or relax on your second patio and enjoy the peaceful and private views of your gorgeous backyard! Close to schools, shopping, bus and the train station is just 6 minutes away! BONUS: Roof and AC 1+ yr old, Boiler & HW tank replaced in 2015!

The Blizzard of 2017- Stay Warm and Safe, Everyone!

Stay warm and safe. Browse homes online today, let me know which ones you'd like to see tomorrow!

Buying or Selling a Home in Fairfield County?  Contact us!

If you have a question about buying or selling Real Estate in  Fairfield County, and are in need of representation, I invite you to contact me. I know the market like the back of my hand, know marketing inside and out, am a skilled negotiator- and I'd love to be on your side :) - Judy

Search for properties on any of our sites, or get the very best visibility available for your home. Visit us online wherever you like: Find out more about Judy here

www.CThomesAndRealEstate.com     www.TheCTrealtyBlog.com     www.TheCTRB.com      www.CTfeaturedHomes.com 

www.JudySzablakRealtor.com

and www.BestWestportHomes.com

 Email us or  call Toll Free (855) GET-JUDY

Connecticut Financing Update and Today's Mortgage Rates Nov. 6, 2016

Interest rates have risen about a quarter of a point over the last two months.  Rates still look attractive at these low levels and it’s time to jump into refinancing your existing mortgage or purchasing a new home with Realtor Judy Szablak’s real estate expertise.  The 10 year is currently at 1.78

Mortgage Rates:

Conventional 30 year fixed – 3.875% - APR 3.963%

Conventional 15 year fixed - 3.25% - APR 3.338%
 
FHA 30 year fixed – 3.50% - APR 4.429%

FHA 15 year fixed – 3.375% - APR 4.339%

The above rates are based on a loan amount of $417,000 for a single family home, a borrower’s middle credit score of 780 and a 20% down payment.  If you would like a customized rate quote for your own specific loan scenario then please feel free to email me at nima@primeres.com or call me directly at 203.913.6016.

This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and pricing are subject to change at any time and without notice. This is not an offer to enter into a rate lock agreement under any applicable law.

As a lending professional, Nima Rezvan meets a wide range of real estate lending needs, whether it be a first time purchase, second home purchase, or refinance. He welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. With his expertise and knowledge, he will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.

With more than 10 years of mortgage lending experience, Nima specializes in  Conventional Mortgages,  Jumbo Loan Financing, Refinance, First Time Home Buyers and Federal Housing Administration/Veterans' Administration (FHA/VA)

782 Clinton Avenue

Bridgeport, CT 06604

Phone: 203.913.6016

Email: nima@primeres.com

Buying or Selling a Home in Fairfield County?  Contact us!

If you have a question about buying or selling Real Estate in  Fairfield County, and are in need of representation, I invite you to contact me. I know the market like the back of my hand, know marketing inside and out, am a skilled negotiator- and I'd love to be on your side :) - Judy

Search for properties on any of our sites, or get the very best visibility available for your home. Visit us online wherever you like: Find out more about Judy here

www.CThomesAndRealEstate.com      www.TheCTrealtyBlog.com     www.TheCTRB.com      www.CTfeaturedHomes.com 

and www.BestWestportHomes.com

 Email us or  call Toll Free (855) GET-JUDY

The Best Time of Year to Buy A Home

There are great reasons to purchase a home this time of year, especially  when the weather begins to chill.

Distraction-packed months - November to February - carry benefits for determined buyers. Forget what you may have heard, that is, that the holiday season and the following "worst weather" months are widely considered the worst time of the year for selling or buying real estate.

Join the "herd" of buyers who are active during traditional "good weather" home shopping months - starting with the spring frenzy of home buying - and this competition for properties can mean buyers pay more, lose out on good-value listings, and receive less attention from swamped real estate and mortgage professionals.

Get outside the traditional "box" of right times to buy and you'll deal with sellers who are very committed to selling, real estate and mortgage professionals able to give you their full attention, and less competition for good-value listings. This lack of competition should mean you get more for your money with less hassle, more personalized service from real estate and mortgage professionals, and time to make confident decisions.

Yes, tradition may dictate that you put your dreams and your life on hold to spend and eat too much over the holiday season, and then cut corners when bills come in during the winter. However, "we've always done it that way" tradition does not mean we've ever done it the right way. What priority do you give your real estate goals and dreams? Is it time for you to break from the buyer "herd" and make sure you receive the best buying opportunity possible?

The key advantage of shopping for a home during "the worst times" is that sellers who have listed their property during these periods are serious, often very serious, about selling. Motivated sellers understand why they benefit from taking offers to purchase seriously and take the time to explore how they may be able to work with the buyers. As we've discussed before, it's about a lot more than purchase price. For instance, offering to match the seller's perfect closing date can carry considerable value for the seller just as not asking for a huge shopping list of inclusions means savings for sellers.

There's a practical side, too. Viewing property at "the worst time" can tell you a lot about what you can really expect from a property:

    Visit a house during a hard rain and you'll see how well the eavestrough system does its job. No overflowing gutters, waterfalls at corners, or soaked exterior walls. There should not be exterior water damage or water in the basement (at least from that source). Observe how the rain water flows off the land. Does it collect around the house or move to the street?  Pooling may indicate a potential basement problem. The longer water problems from poor maintenance continue, the greater the cost of repairing the damage. Paint may camouflage the trouble, but the problem will persist.

    Drive by houses after a fresh snowfall and you'll discover which are well insulated (snow on roof) and which are losing heat (melted snow).

    Tour a house on a very windy day and drafts, insufficient insulation, and poorly-sealed windows and doors will be revealed.

    Spend time in a house on a cold day and study how well the furnace heats the whole house. When a furnace is replaced, the duct work is not always adapted. Is it noticeably colder in the back rooms? How's the second floor and the bathrooms?

    During the holiday season when parties and cooking are popular pastimes tour condominium units and you'll see how far noise and smells travel in the building and into the suite or townhome you're considering.

    Ask an experienced real estate professional for their "best things" about "worst times".

Are you ready to turn "the worst times for home buying" into the best time for your successful real estate transaction?

Courtesy of Real Estate Times -Written by PJ Wade

Buying or Selling a Home in Fairfield County?  Contact us!

If you have a question about buying or selling Real Estate in  Fairfield County, and are in need of representation, I invite you to contact me. I know the market like the back of my hand, know marketing inside and out, am a skilled negotiator- and I'd love to be on your side :) - Judy

Search for properties on any of our sites, or get the very best visibility available for your home. Visit us online wherever you like: Find out more about Judy here

www.JudySzablakRealtor.com

www.CThomesAndRealEstate.com      www.TheCTrealtyBlog.com     www.TheCTRB.com      www.CTfeaturedHomes.com 

and www.BestWestportHomes.com

 Email us or  call Toll Free (855) GET-JUDY

Good Credit Is Just As Important After Your Home Purchase

Everybody knows how important it is to have great credit when you're buying a house. But keeping your credit good after you've purchased is just as critical. Letting your score take a hit after you close escrow can negatively impact you in a few important ways.

Credit Cards

It's easier than you think to get into trouble with credit cards once you become a homeowner. One late or missed payment is all it takes to get your first ding.

Even if you don't have any credit cards when you buy your home, make your first mortgage payment and watch your mailbox fill up with pre-approval offers. While it might be tempting to get all those cards and charge them up with new furniture and window coverings and TVs and appliances, it might be best to wait. As a new homeowner, you don't yet know what your total monthly nut will be.

Maybe the utilities are way more than you expected. Perhaps your air conditioning goes kaput the first time you turn it on in the spring or your handyman discovers asbestos while scraping the cottage cheese ceilings in your living room. What if rising values in your area means higher taxes for the next year? Delaying some or all of those purchases until you know what you can easily afford can help you stay in good financial shape.

Refinancing

If rates drop after you've moved in or you didn't get the greatest rate to begin with, refinancing might be your answer since it can save you money every month and over the life of your loan. If your credit score has gone up since you purchased, which often happens after a mortgage payment or two, you might be in a good position to refinance. If your credit score has dropped since your lender approval because you took out too much credit or were late on any of your payments, you may not qualify, which would mean sticking with your existing rate.

Another good reason to refinance is lower private mortgage insurance (PMI) rates for those with a Federal Housing Administration (FHA) loan. The lower rates are expected to save homeowners up to $900 per year, according to the U.S. Department of Housing and Urban Development.

Cars, cable, and cell phones, oh my!

The bump in your credit score post-mortgage can help you get a better rate when buying a car, whereas a credit score in decline could mean not qualifying at all. But even smaller purchases and necessary services can be affected by poor credit.

"Cell phone companies run a credit check on you every time you sign up for a new contract," said CNN Money. "The rationale is simple: Wireless companies want to make sure you'll pay your bill. The company "has revealed that 50% of its customers don't qualify for its top promotions."

Utilities like electric and gas as well as cable and satellite may not decline to service your home, especially if they are the only provider in your area. But you may have to pay a higher deposit if your credit is bad—something to consider if you are planning to change to a different provider or plan.


Courtesy of RealtyTimes -Written by Jaymi Naciri

Buying or Selling a Home in Fairfield County?  Contact us!

If you have a question about buying or selling Real Estate in  Fairfield County, and are in need of representation, I invite you to contact me. I know the market like the back of my hand, know marketing inside and out, am a skilled negotiator- and I'd love to be on your side :) - Judy

Search for properties on any of our sites, or get the very best visibility available for your home. Visit us online wherever you like: Find out more about Judy here

www.JudySzablakRealtor.com

www.CThomesAndRealEstate.com      www.TheCTrealtyBlog.com     www.TheCTRB.com      www.CTfeaturedHomes.com 

and www.BestWestportHomes.com

 Email us or  call Toll Free (855) GET-JUDY